Experts

The regions of the Project show better dynamics for all four indicators compared to Russia as a whole. This is especially noticeable in the pilot regions (Kaliningrad and Volgograd regions), which have included the project since 2011.

The history of Internet banking in Russia has more than 20 years, mobile banking applications are twice younger. These banking products emerged from a narrow niche on the market and now have wide distribution among all groups of consumers of banking services.

Russians rely mainly on themselves, their family and relatives in the situation of solving their financial problems. Other commercial or government institutions are not perceived as an accessible source of assistance in crisis.

Digitalization at the same time pleases and scares people. On the one hand, Russians are aware that the use of technology can make life easier and simplify routine tasks. On the other hand, there is distrust of technologies and negative view of progress in general.

The most popular technologies reflect popular trends of everyday life: use of digital technology, passion for healthy lifestyle and concern for the environment. A “smart” home allows you to contribute to the care of the environment.